Pioneering partnership launches APP fraud solution for the UK finance industry

Experian makes strategic investment in Resistant AI to tackle fraud and financial crime

LONDON – 22 July 2025 – Experian today announced a strategic investment in Resistant AI, a leading provider of AI-powered financial crime prevention and detection, to bolster its innovative and transformative fraud and financial crime offering. This collaboration combines Experian’s superior data, technology and expertise with Resistant AI’s sophisticated modeling and anomaly detection.

With Experian’s latest Fraud and FinCrime report revealing that the number one fraud encountered by UK businesses is Authorized Push Payment (APP) fraud (47%), this partnership’s first initiative will be launching a tailored APP fraud prevention solution.

APP fraud straddles the line between fraud and Anti-Money laundering (AML), leveraging money-mule networks and real-time cross-bank transfers to evade detection. To counter financial crime of this nature, individual banks and payment providers need visibility into counterparties – an effort complicated by strict privacy and data-sharing regulations.

Experian and Resistant AI will directly address these challenges by tapping into Resistant AI’s state of the art AI models that detect fraud and money laundering behaviours in real time. The solution, available later this year, is designed to complement existing transaction monitoring systems and will enable businesses to proactively identify and halt suspicious transactions before processing. In addition, the solution will identify new or previously unknown methods of attack without disrupting current processes or requiring costly transformation programs.

Martin Rehak, CEO of Resistant AI, emphasized, “Financial criminals are increasingly using AI techniques to innovate and scale successful attacks to a large number of victims. Simultaneously, the boundaries between fraud and AML are disappearing; APP fraud can morph into money laundering in under 5 seconds. This makes traditional rule-based engines with manual analysis rapidly obsolete – the use of AI in financial crime prevention stacks is no longer optional. Our joint offering combines broad data with the best engines to deliver highly accurate, real-time prevention."

"The landscape and sophistication of financial crime has evolved, and it is imperative for financial institutions to leverage advanced technologies that enhance their visibility and responsiveness," said David Bates, Managing Director of Credit and Verification Services, Experian UK&I.

"This partnership enables financial institutions to effectively combat sophisticated fraud and money laundering techniques, safeguarding not only their operations and reputation but also their customers."

About Resistant AI

Resistant AI is the AI upgrade for rules-based transaction monitoring systems that multiplies analyst productivity without replacing existing tech stacks, adding new screens, or retraining staff. Its 80+ off-the-shelf AI models can detect advanced fraud and money laundering behaviors — before transactions occur — with full explainability. Customers such as Anna Money, Bank of Valletta, Moneta Money Bank, Finom, and more who use Resistant AI receive actionable insights to 5x their analyst productivity while tripling their detections of novel fraud and financial crimes. Find out what your current systems are missing by exploring Resistant AI’s transaction monitoring capabilities. Make your transactions Resistant today.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. The company helps to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using unique combination of data, analytics and software. They also assist millions of people to realize their financial goals and help them to save time and money.

Experian operates across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian invests in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), Experian has a team of 25,200 people across 32 countries. The company's corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.